websites that pre-market value, 400,000, 500,000, so these people are getting a massive bailout, more than the federal government itself with just a regular flood insurance policy. does government need to get out of this business? >> yes. they are getting a little more than the top, but why does government so eager to forbid or require? if people want to build on the edge of oceans, spend your own money, take your own risk. they said we're losing so much money bailing these people out, disaster, we have to get them to buy insurance, there is no private market. gerri: the private market didn't want to take on the risk. melissa: it would have at the right price, but the federal government offered a great deal, cheap, we took it. gerri: i know we will get all kinds of e-mail from people who say these people should get this money no matter what. they deserve it.